THURSDAY, JUNE 1, 2017
When it comes to home maintenance, we think about projects that we can see, such as lawn care/landscaping, new doors & windows and perhaps a new heating and cooling system.
But do you ever think about the underground service lines that bring water to your house? Or electricity? Don't feel bad- no one ever thinks about these things. Out of sight and out of mind. Until something happens to them.
And yes, as a homeowner you are 100% responsible for the exterior pipes and wiring that bring services to your residence. Yes, that means if something happens to them, you are responsible for paying to repair and/or replace what's damaged. When a service line fails, repair or replacement can easily total into the thousands of dollars. Historically homeowners insurance did NOT cover this type of situation.
Introducing Underground Service Line coverage from Erie Insurance
Erie Insurance's new Underground Service Line coverage can pay for repair or replacement if required when the exterior underground pipe or line is damaged by a covered cause of loss. Read on for examples of covered service lines, causes of service line failure, as well as typical exclusions.
What are examples of a "Covered Service Line?"
Covered service line means exterior underground piping and wiring, including permanent connections, valves or attached devices, providing one of the following services to your residence:
1. communications, including cable transmission, data transmission, internet access and telecommunications
2. compressed air
4. electrical power
5. heating, including geothermal, natural gas, propane and steam
6. waste disposal
The covered service line must meet 3 conditions: 1) Be located on the premises described on the policy declarations; 2) Provide service to the dwelling or private structure (Coverage A and B on the policy); 3) The covered service line must be owned by you or you must be responsible for its repair or replacement as required by law, regulation or service agreement.
What is a Service Line Failure?
A service line failure is physical damage that results in a leak, break, tear, rupture, collapse, or arcing of a covered service line. This does not mean blockage or low pressure unless there is physical damage to the covered service line.
What are typical examples of Covered Service Line failures?
- Accidents caused by a contractor or homeowner from shovel or backhoe intrusion.
- Gradual conditions such as wear and tear, marring, deterioration or hidden decay, rust or corrosion
- Environmental conditions such as ground freezing/thawing, or tree root invasion. Vermin, insects rodents or other animals are also included.
- Weight of vehicles, equipment, animals or people
- Artificially generated electric current
- Mechanical breakdown or defect.
Besides damage to the covered service line, what else is covered?
- Excavation costs- coverage for necessary and reasonable excavation costs that are required to repair or replace the damaged covered service line.
- Expediting expenses- payment for the reasonable extra cost to make temporary repairs; and expedite permanent repairs or permanent replacement.
- Loss of Use- coverage for additional living expenses. An example would include hotel costs if you're forced to move out temporarily.
- Outdoor property- property that is damaged due to necessary measures to repair or replace the service line. Examples include trees, shrubs, plants, lawns or walkways.
Exclusions do apply for both covered service lines and causes of loss to covered service lines. Contact us for additional details.
How Do You Get This Amazing Coverage?
Through Erie's ErieSecure Home policy, via their Plus and Select bundle endorsements. These endorsements are amazing anyway- now they're even better. With the Plus bundle, a total of $10,000 coverage is provided. $25,000 coverage is available in the Select bundle. There is no separate deductible- it will follow the property policy deductible.
If you're a homeowner, you're at risk. Get protected from a costly surprise by calling us at (937) 592-4871 to request your Ohio homeowners insurance quote or begin your quote request via our website.
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